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VA Loans — honoring your service.

No down payment required. No private mortgage insurance. Favorable rates supported by the U.S. Department of Veterans Affairs.

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Why VA loans

Advantages earned through service.

$0 down payment

Most VA-eligible borrowers can purchase with nothing down — keeping savings available for moving expenses and reserves.

No PMI ever

VA loans eliminate the need for private mortgage insurance entirely, even at zero down — potentially saving hundreds each month.

Favorable rates

Backed by the federal government, VA loans generally offer lower interest rates compared to conventional programs for similar credit profiles.

Accommodating credit

VA lending guidelines tend to be more forgiving on credit scores and debt-to-income ratios than standard conventional requirements.

Reusable entitlement

Your VA loan benefit can be used multiple times — and you can refinance through the streamlined IRRRL program as well.

Capped closing costs

The VA restricts which fees borrowers can be charged at closing, and sellers are permitted to contribute toward your costs.

Eligibility

Who is eligible for a VA loan?

  • ✓
    Active-duty personnel with 90 or more consecutive days of service
  • ✓
    Veterans who meet qualifying service requirements
  • ✓
    National Guard and Reserve members with six or more years of service
  • ✓
    Surviving spouses of service members lost in the line of duty or due to a service-related condition
Certificate of Eligibility needed? We can assist you in obtaining one during the application process — it's a straightforward step.

Ready to put your benefit to work?

Apply in about 15 minutes. We'll walk you through every step of the process.

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